Why I DO Keep Accessible Cash (Emergency Fund Series Part 2)

roll of american dollar banknotes tightened with band

So if an emergency fund is a racket and BAD IDEA (as thoroughly covered here and here) what do I do? I don’t keep an emergency fund, but I do keep quite a bit of accessible funds around. These aren’t… Continue Reading

January 2021: Monthly Update (and Holiday Shenanigans)

January numbers: Personal: Gross monthly W2 pay:  $5,375 (no change) Net monthly W2 pay:  $3,470 (no change) Total credit card debt:  $33,645 (-$1,251) Total other non-mortgage debt:  $7,816 (+$6,460) Total mortgage debt:  $146,729 (-$857) Cash/cash equivalents:  $11,020 (+$327) Total retirement… Continue Reading